Category: Scam Call

Who Makes the Cold Calls

Claims management companies (CMCs) are the ones that make most of the cold calls – PPI, accident claims etc.

The insurance company AXA surveyed people to ask about the cold calls they receive.

The biggest subjects for cold calls are PPI, accidents in public places, accidents in the workplace and motor insurance claims. Between them, these account for most of the cold calls.

An estimated 12 million Britons are cold called per day – despite stricter rules and the recent Government crackdown.

These companies are ‘bombarding people with cold calls, emails, letters and text messages’ and ‘clearly contributing to be the bane of many people’s lives,’ according to the new report from AXA.

Around half of the 2,131 consumers asked by AXA said they think the regulations around CMCs need to be significantly tightened up.

Possible changes with significant support include:-

  • Cold calls from CMCs to be made illegal
  • A cap of between six and 10 per cent on the fees that CMCs can make, compared with about 30% that they currently charge.
  • Make it mandatory for calling companies to show the numbers they are calling from
  • A time limit on when consumers can claim back compensation after an event (most people think this should be 12 months).
  • A ban on automated calling

A quarter of people surveyed said they felt stressed by these calls from CMCs and 44 per cent were concerned about how the companies had got their details.

The Department of Culture, Media and Sport, is looking into how these regulations can be tightened.

Between April 2014 and December 2015, the Claims Management Regulator issued 459 warnings, carried out 685 audits, started more than 150 investigations into specific firms and suspended 159 company licences.

Do enter your email address and click on the subscribe button on top right to keep up to date with new posts.

Scumbag Awards 2017: Biggest Phone Scam

The Fightback Ninja has created the Scumbag Awards 2017 for the scammers and spammers who make our lives miserable through theft of money, time and even identity.

Each week, the Fightback Ninja will select and publicise one or more categories of scam or spam and a list of contenders for the award. You pick the winner by voting online and the awards will be announced in July.

For further information go to http://fightback.ninja/scumbag-awards-2017/

Category: Biggest Phone Scam

The Computer Support Call

You receive a call from Microsoft/Virgin/BT to tell you your PC has a virus.

http://fightback.ninja/the-microsoft-support-scam/

PCCare247 were one of the worst of these companies

http://fightback.ninja/us-government-takes-down-pccare247-scammers/ 

The Missed Call Scam

Someone calls you but stops the call too quickly for you to get to the phone. If you call back you’ll find you’ve called a premium rate number and its costing you up to £4 per minute.

http://fightback.ninja/the-missed-call-scam/

Vote by email for your favourite to blog@fightback.ninja

PPI Calls

According to figures from Citizens Advice, 30 million people, or two thirds of British adults, have already received messages about PPI – and 98 per cent did not give permission to be contacted.

http://fightback.ninja/ppi-cold-calls/

Vote by emailing blog@fightback.ninja and specify category and your chosen candidate.

Do Share this post on social media – click on the post title then scroll down to the social media share buttons.

Those Terrible Time-Wasters

So, what rubbish emails and calls have there been to Brooklands Radio station in the last few days?

A final award notification notice telling me that I’ve won $4.75 million in the Bono Lotto – I must be very lucky – winning a lottery I didn’t even enter. I’ll tell them to donate the money to charity.

A video to watch that warns how my family could end up in a FEMA concentration camp. This is part of a very strange conspiracy theory to do with America’s Federal Emergency Management Agency. Very weird.

An offer to let me join the Millionaire beta testers of the Dubai Lifestyle APP. The APP apparently lets me rake in ‘insane’ profits with just a few mouse clicks – I don’t think so – only the scammers make money.

Apparently I’ve subscribed to a newsletter but it appears to have no name and I need to click on my profile to set preferences. My preference would be for an end to scammers like these ones.

Asda @Asdawinner.com wants me to redeem my £500 Asda gift card. I don’t think so, as it doesn’t exist.

Do click on the Facebook or Twitter icons on top right to follow Fight Back Ninja.

UK Biggest Cyber Criminals Caught

The UK’s biggest ever cyber scammers stole £113m by calling victims pretending to be from their bank. Fraudsters used bin bags full of cash for shopping sprees, bought supercars and a Lahore mansion. The Glasgow-based gang targeted small businesses in telephone fraud scam and they cleared out millions of pounds from their victims’ bank accounts

The ring leader Choudhary has been jailed for 11 years and 14 others also face prison terms.

The Burnley-born fraudster had fleeced over 750 British firms to fund his millionaire playboy lifestyle. Raking in £3million a month by cold-calling bank customers, he ruined hundreds of lives and put small businesses on the brink of bankruptcy – leaving one victim so distraught that she committed suicide.

The Method

Choudhary phoned businesses claiming to be from their bank, saying security on the accounts had been compromised. He got internet bank security details and passwords from employees and emptied their accounts in minutes, blocking phone lines with software to stop contact with the real bank

Unwitting customers were told their accounts had been hacked and were duped into giving their internet banking passwords over the phone.

The cash was withdrawn by ‘money mules’ and moved through transfer exchanges from London to Pakistan and elsewhere. The biggest raid saw £2.2million taken from a solicitor’s firm in minutes

Choudhary used the details to convince businesses he was a genuine bank employee, telling them they had been hacked by ‘someone in Aberdeen’ called ‘King’

Scotland Yard believes at least 750 businesses were affected between January 2013 and October 2015, but there could be countless others. Choudhary targeted customers from Lloyds, Santander, Barclays and Royal Bank of Scotland.

Choudhary grew so rich that he flew his personal valets 8,000 miles across the world to polish his Porsches.

He posed as a music producer and property developer and owned a fleet of expensive cars including a Bentley, Rolls-Royce, Lamborghini and two Porsches.

Choudhary spent millions on a property portfolio in Pakistan, Dubai and Scotland, treated himself to £100,000 shopping trips at Harrods, bought £45,000 Rolex watches and enjoyed luxury holidays in the Middle East.

Conviction

Choudhary was jailed for 11 years. Corrupt Lloyds business adviser, Jones Opare-Addo, was jailed for five years for leaking account details to the gang and setting up accounts to launder cash.

Emma Daramola, 23, was given a two-year suspended sentence for conspiracy to commit fraud by abuse of position for her role as an insider at Lloyds

A long list of accomplices were also jailed.

Do you have an opinion on this matter? Please comment in the box below.

The Overpayment Refund Scam

The basic scam is that something happens and the organisation concerned appears to have overpaid you significantly. There is some story as to how this could have happened and usually someone calling you about it who is worried over losing their job if the over payment is not rectified.

That leads you into paying them the amount of the overpayment and then their payment will disappear and you will out of pocket by hundreds or thousands of pounds.

For example :-

Joanna finally got her broadband working after 3 weeks of problems.  She was told there would be monetary compensation.

A caller (claiming to be from BT) then called about paying the compensation. Details were sorted out and she believed the payment would be made.

Then she received another  call (claiming to be from BT) that said that the payment had been made but he had made a mistake and overpaid by £700. He then sent her an email to prove the overpayment and he asked her to repay the money to a specific account ASAP so he didn’t lose his job.

She did this and then it turned out that no compensation payment had ever been made.

The most common form of this scam is more personal and involves selling a car. The scammer agrees to the purchase and apparently pays but pays too much then seeks to get the overpayment back from you.  The scammer may buy sight unseen and have some bogus reason for this and the apparent urgency of the purchase.

Payment is usually by credit card which then turns out to be stolen or cheque. A UK cheque will appear to have cleared after 4 working days but it is still possible for it to bounce until after the 6th working day.

If you receive a cheque or card payment for something  that is more than the agreed amount of money, do not accept it – return the payment and ask for the correct amount.

Do enter your email address and click on the subscribe button on top right to keep up to date with new posts.

Callers Who Know Your Details

Most callers have no information about you save for a name and the telephone number and sometimes not even a name. But sometimes you get a caller who knows a lot about you and pretends to be confirming information – probably pretending to be from the local council or government or some other authority or even a utility company or a company such as Microsoft or BT etc.

Their information could have come from any number of sources e.g. from a data breach at a company you do business with or from rifling through your rubbish bin or from hacking your emails or just from the Electoral Register.

Don’t be conned into believing it’s safe to confirm information they appear to have – they are practiced at asking questions that lead you to believe they know more than they actually do.  The more information you give them the easier it is for them to defraud you.

  1. Review what information the caller has and where it may have come from.
  2. If necessary, contact your bank, credit card supplier etc. to check for suspicious activity
  3. Review your online logins and passwords and whether any should be changed

What can you do to protect yourself?

Monitor your bank accounts, credit cards, investments, etc., on a weekly basis if possible. Follow up on any unexpected transactions and contact the relevant bank, card supplier etc. if you are concerned.